Insurance Plans Comparison
HDFC ERGO Energy Silver Without Copay vs Care Supreme
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreEnergy Silver Without Copay
Cover diabetes and hypertension from day one with no co-pay, pay for your own wellness tests, and get a one-time 100% restore plus a 10% yearly bonus even after claims, up to 100% of the sum insured.
What Makes It Special:
Energy is written specifically for people already diagnosed with Type I or Type II diabetes, pre-diabetes or hypertension, and covers hospitalisation arising out of those conditions from the first day of the policy rather than after a pre-existing disease waiting period; this configuration keeps claims free of co-payment while holding...
Best For:
Buyers who intend to participate in the wellness programme for the renewal discount even though they pay for the tests themselves
People who expect a sizeable hospitalisation, where a 20% co-payment would be costly in absolute terms
Buyers who prioritise full claim settlement over bundled wellness benefits when choosing between the four configurations
Buyers who already get HbA1c and lipid monitoring through an employer scheme or pay for it themselves and do not need the test cost bundled in
Individuals diagnosed with diabetes or hypertension who want day-one cover for that condition without contributing a share of each claim
VS
Supreme
Comprehensive Health Plan with Unlimited Restoration and Zero Room Rent Limits.
What Makes It Special:
Care Supreme by Care Health Insurance is a comprehensive health plan designed for individuals and families, offering sum insured options from ₹3 lakh to ₹1 crore. It covers in-patient hospitalization, AYUSH treatments, day-care procedures, domiciliary care, and organ donor expenses with no sub-limits. Key highlights include the “Cumulative Bonus Super,”...
Best For:
Family-Focused Comprehensive Plan
High-Bonus Health Coverage
Wellness and Fitness Rewards
Customizable All-Round Protection
Insurance Plans Comparison
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Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Quick Decision Guide
This is an individual-only policy with no floater option, so if a spouse or parent also needs cover, budget for separate policies rather than adding them to this one.
The day-one cover applies to hospitalisation arising out of diabetes and hypertension only, so any other pre-existing condition still waits 24 months and should be declared at proposal.
You still need to undergo the wellness tests to earn reward points and the renewal discount of up to 25%, so factor the test cost into your running cost of the policy.
Compare it against the Silver plan with co-payment by calculating 20% of a realistic claim at your sum insured, because that is the amount the extra premium here buys out.
Compare this against the Gold plan without co-payment by pricing the two wellness tests locally, since the only stated difference between the plans is who bears that cost.
You want a high bonus for claim-free years
Has OPD benefits which can be opted at a minimal premium
You prefer no sub-limits on key expenses
Wellness rewards and fitness discounts motivate you
You need add-ons like mental health coverage
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Energy Silver Without Copay Health Insurance Plan VS VS |
Supreme Health Insurance Plan |
| Room Rent |
|---|
Energy Silver Without Copay
|
VS VS |
Supreme All room categories are covered |
| Advanced Treatments |
|---|
Energy Silver Without Copay Includes modern medical procedures like robotic surgery, organ transplants, and advanced cancer treatments for enhanced healthcare access. |
VS VS |
Supreme Information Unavailable |
| ICU Charges |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Supreme No restriction on ICU room rent |
| Co-payment |
|---|
Energy Silver Without Copay No copayments. Mentioned in the name of the policy itself. |
VS VS |
Supreme Not available |
| Disease-wise sublimits |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Supreme No |
| Waiting Period |
|---|
Energy Silver Without Copay
|
VS VS |
Supreme Information Unavailable |
| Cashless Healthcare Providers |
|---|
Energy Silver Without Copay 16,000 cashless healthcare providers. |
VS VS |
Supreme 21700+ Healthcare Providers |
| Restoration Benefit |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Supreme Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses (per claim in a policy year for related/unrelated illnesses) |
| Daycare Treatment |
|---|
Energy Silver Without Copay Covered under the policy. |
VS VS |
Supreme Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured |
| Cumulative Bonus |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Supreme Your sum insured increases by 50% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 500% (Option to boost coverage by 5x annually) |
| AYUSH Treatment |
|---|
Energy Silver Without Copay Covered under this policy |
VS VS |
Supreme Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Supreme No. However, available as an add-on |
| Initial Waiting Period |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Supreme 30 days |
| Specific Waiting Period |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Supreme 2 years |
| PED Waiting Period |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Supreme 3 years |
| Modern Treatment |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Supreme Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Supreme Health checkup is not included as part of base cover. However, available as an add-on |
| Pre-Hospitalisation |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Supreme You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Supreme You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Supreme OPD expense is not included as part of base cover. However, available as an add-on |
| Deductible Option |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Supreme Not available |
| Coverage Options |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Supreme Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹25L, ₹50L and ₹1 Cr |
| Claim Settlement Ratio |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Supreme 96% |
| Maternity Cover |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Supreme Not available |
Insurance Plans Comparison
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Insurance Plans Comparison
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